Auto Loans · Orlando, Florida
5 credit unions in Orlando report car loan rates to the NCUA. Rates range from 1.99% to 6.80%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
1.99%
Lowest New Car Rate
4.96%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MCCOY ★ 4.3 · 227 reviews | 1.99% | 6.50% |
| 2 | ORLANDO ★ 3.9 · 98 reviews | 4.50% | 4.75% |
| 3 | PRIORITY ★ 4.5 · 157 reviews | 5.50% | 5.75% |
| 4 | FAIRWINDS ★ 4.0 · 127 reviews | 6.00% | 6.30% |
| 5 | LOCAL 606 ELECTRICAL WORKERS | 6.80% | 8.00% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ORLANDO ★ 3.9 · 98 reviews | 4.75% | 4.50% |
| 2 | PRIORITY ★ 4.5 · 157 reviews | 5.75% | 5.50% |
| 3 | FAIRWINDS ★ 4.0 · 127 reviews | 6.30% | 6.00% |
| 4 | MCCOY ★ 4.3 · 227 reviews | 6.50% | 1.99% |
| 5 | LOCAL 606 ELECTRICAL WORKERS | 8.00% | 6.80% |
A pre-approval from a Orlando credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Orlando in the same window and take the best offer.
See member reviews, branch locations, and full rate details.